Governance Challenges in Cryptocurrency: Almost 25% of North American CFOs Consider Treasury Transition by 2027

Key Takeaways:

• A Deloitte survey indicates that 23% of CFOs in North America anticipate incorporating cryptocurrency into treasury operations by 2027.
• In addition to financial applications, the adoption of crypto could transform corporate governance, vendor management, and the skill sets required in the workforce.
• Regulations surrounding stablecoins and the rollout of CBDCs may affect the extent to which cryptocurrency becomes a standard mechanism for corporate settlements.

According to a Deloitte survey released on July 31, nearly one-fourth of chief financial officers in North America foresee their finance teams utilizing cryptocurrency treasury within the next two years.

The survey, which took place from June 4 to June 18, included responses from 200 CFOs representing companies with annual revenues of at least $1 billion.

Concerns Over Volatility and Controls

Deloitte discovered that 23% of the participants expect their treasury departments to adopt cryptocurrency for payments or investments by 2027, with the expectation rising to nearly 40% among CFOs at firms with revenues of $10 billion or more.

The report highlighted that 43% of CFOs listed price volatility as their primary concern regarding the adoption of non-stable cryptocurrencies like Bitcoin and Ether. Additionally, 42% pointed to accounting complexities and controls, while 40% mentioned a lack of industry regulation.

Regulatory uncertainty has intensified due to recent changes in U.S. policy. In January, the Securities and Exchange Commission (SEC) established a crypto task force before retracting previous accounting guidance, leading the Financial Accounting Standards Board to revise its own regulations in March.

SEC introduces new crypto ETF listing criteria, allowing around a dozen major digital assets to receive approval by October through a streamlined process.#SEC #ETFshttps://t.co/grlJtGb5tH

— Cryptonews.com (@cryptonews) July 31, 2025

Fifteen percent of CFOs expressed that they expect to accept stablecoins for payments within two years, with this expectation being higher among larger companies. Forty-five percent of respondents identified enhanced customer privacy as a benefit, while 39% noted increased efficiency in cross-border transactions.

Corporate Treasury Use Cases Expanding

In addition to treasury functions, CFOs recognized supply chain tracking as a significant application. More than half indicated they plan to use non-stable cryptocurrencies for this purpose, with nearly as many expressing the same intention for stablecoins.

The survey also revealed that discussions regarding cryptocurrency are becoming prevalent at senior management levels.

Thirty-seven percent of CFOs reported having conversations with their boards about crypto adoption, while 41% discussed it with CIOs, and 34% with banks or lenders. Only 2% indicated no engagement with stakeholders on this topic.

The increasing dialogue suggests that corporations are considering not only direct financial applications but also how digital assets could transform vendor relationships, treasury systems, and compliance frameworks.

Simultaneously, the direction of stablecoin regulation and central bank digital currency initiatives may influence whether CFOs perceive crypto primarily as a niche investment tool or as a potential element of mainstream corporate payment and settlement systems.

Frequently Asked Questions

How might corporate crypto adoption affect internal audit practices?

CFOs may need to implement updated audit frameworks to oversee blockchain transactions, ensuring transparency, risk management, and adherence to evolving accounting standards.

What skills will finance departments need to manage crypto use?

Departments will likely require knowledge in blockchain technology, cross-border settlement systems, cybersecurity, and compliance with regulations across multiple jurisdictions.

Could crypto adoption impact vendor relationships?

Yes. Payments made with cryptocurrency and supply chain tracking could streamline reconciliation processes and enhance transparency in procurement and logistics.

How might stablecoin regulation influence CFO adoption timelines?

Clearer regulations could hasten adoption by mitigating regulatory risks and encouraging CFOs to consider stablecoins as feasible settlement assets.

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